OMNIASIG Vienna Insurance Group S.A.

Assistance call deadline

The insured must notify OMNIASIG immediately at the phone numbers specified in the Policy, within a maximum of 48 hours of the occurrence of the insured event, and must submit all documents required for compensation. Failure to justify the impossibility of contacting the assistance company may result in compensation being limited to 5% of the insured amount for the medical section, but not more than 2,500 EUR.

Unauthorized treatment

Medical expenses incurred for services not linked to an emergency situation, services provided outside the insured territory, or treatment that could be postponed until return to Romania are not reimbursed. Repatriation expenses undertaken without prior approval from OMNIASIG are also excluded.

Purchase while abroad

The policy must be issued before departure. Coverage begins only after full payment of the premium. The policy cannot be purchased or activated after the trip has already started.

Chronic conditions

Chronic diseases and pre-existing medical conditions are excluded, except for emergency medical care necessary to save the insured's life or relieve acute pain, covered up to a sublimit of 1,000 EUR for trips outside Romania. All other treatment related to known chronic or pre-existing conditions is not covered.

Pregnancy

Pregnancy, childbirth (including voluntary termination) and normal pregnancy without bodily injury or illness are excluded. Acute complications of pregnancy are covered only in the first 30 weeks, and only for medical procedures strictly necessary to save the life of the mother and/or child.

Pre-existing condition exclusions

Pre-existing medical conditions (any condition known to the insured before policy conclusion, for which treatment or prescriptions were received, or symptoms were documented) are excluded, except for emergency life-saving care or acute pain relief up to 1,000 EUR sublimit for trips outside Romania.

Coverage duration limit

Each covered trip may last a maximum of 90 consecutive days. The trip coverage period is automatically extended in case the insured's return to Romania is inevitably delayed by an insured event. Domestic trips in Romania are covered only under Section II (Personal Accidents) and only if there is a confirmed accommodation reservation for at least one night at an authorized tourist accommodation facility.

Emergency dental treatment

Not established from the insurer's documents

Coverage for urgent dental treatments (acute pain, fractured teeth, infections) within the medical expense limit

Flight cancellation and trip interruption

Coverage for costs incurred for tourist services that cannot be recovered due to insured events affecting the insured or family members

Missed departure coverage

Compensation for expenses generated by delay of reserved transport or cancellation of flight/airline course and costs for late arrival at destination

Document replacement

Coverage for costs of temporary replacement of lost or stolen documents during travel to enable continuation and return to Romania

Baggage delay coverage

Covers costs for essential items when baggage is delayed more than 6 hours after arrival at final or intermediate destination

Pre-existing conditions exclusion

Standard exclusion for pre-existing or chronic conditions, with a limited exception for emergency life-saving care or acute pain relief capped at 1,000 EUR for trips abroad. Also excluded: extreme sports without specific extension, pregnancy after week 30, incidents under influence of alcohol/drugs/narcotics, active armed conflict zones (Crimea and Sevastopol specifically named).

48-hour claims notification requirement

The insured must notify OMNIASIG immediately via phone numbers in the Policy within a maximum of 48 hours of the event occurrence and present all documents for compensation. For Section I (Emergency Medical Assistance), failure to contact the assistance company without justification limits compensation to 5% of the medical insured amount, but not more than 2,500 EUR.

Full advance payment requirement

The premium must be paid in full and in advance at the moment of policy issuance, by bank transfer or cash, in Romanian lei (RON). Coverage begins only after full payment. No installment payment option is available.

Destination-based coverage differentiation

Different coverage tiers and medical expense limits apply based on destination: minimum 30,000 EUR medical coverage for Schengen destinations (meeting EU Regulation 810/2009 requirements for Schengen visa applications); worldwide destinations (non-Schengen) offer 50,000–100,000 EUR. The Premier Plus tier provides up to 100,000 EUR for all destinations.

Work & Travel program coverage

Not established from the insurer's documents

Special coverage available for Work & Travel visa (J-1 USA) programs with durations up to 12 months. This extended coverage is specifically noted for long-term work placements in the United States.